milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I took a mortgage with XXXX XXXX who had LoanCare processing the payments. Then, XXXX 's XXXX sold my mortgage to LoanCare. I have had nothing but problems with LoanCare. They have never been able to process my payments in a timely fashion. Or, they misplace my payments or my payment just happens to be sitting on someone 's desk. When they do process my payment on time.They always are calling on the XXXX of the month to tell me I am late. They never post the payments on my statements when they finally do process the payments on time. For example ; I had my XXXX XXXX payment posted on XXXX XXXX per what the phone stated and when the check went through my checking account. But, on my statement on XXXX XXXX, XXXX it does n't show that I paid. The due date states XXXX XXXX, XXXX and it is even double the amount. Every time I call they take forever to answer and when do the people are rude, they hang up on you, and do n't have a clue on what they are talking about. They tell me I need to send my payment to another address. This has been has been the issue every single month that I have paid my mortgage. They are also using several different names other then LoanCare. I think that someone needs to go in and shut them down our show how to process payments. Their staff is horrible. I will be actively looking for a new place to pay my mortgage. I truly believe this company if frauding the system and keeps switching names so you guys do n't go after them. I was just on the hold for over a hour and still know on answered. I had to call back. They are telling me my payment is late even when I mailed it on XXXX XXXX, XXXX and they have n't received it yet. My credit is being ruined by them. Please shut this company down!

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 04-03-2017 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency has not provided validation that I owe them for stated debt in the amt of XXXX and XXXX. I have snet numerous letters asking for validation and have yet to get response besides print out of services done from different company. The company did not mark disputed on my credit file as well as has failed to provide documentation of debt owed to them. I have requested for a signed contract that shows I am in debt to ( United Revenue Corp ) collection agency and have n't received anything. The agency as also used threatening tactics that this will remain on my credit file until paid. I do n't owe this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I live in XXXX Florida State and I have not traveled ouf of the State in years. I use BB & T account only for saving money to pay my insurance and some other bills, so, I do not use it too often. When I went to look into the account because my insurance was approaching, I noticed an overdraft of more than $ XXXX. I called the bank and the rude guy said he can not do anything neither cancel the account or do anything about it, so, I had to XXXX a branch near me and I went same day, XXXX XXXX, to the XXXX XXXX branch and a really nice rep, XXXX XXXX, checked and found out somebody deposited on XXXX XXXX, 2017 a $ XXXX fake check and then somebody went same day to a Virginia office and withdraw a {$900.00}, so I filed with her the claim and closed that checking account and a savings account I had, and she opened new ones that day. 
Then, XXXX called me on XXXX XXXX saying my savings account had an overdraft because somebody in XXXX different cities of New Jersey cashed XXXX checks on XXXX XXXX between XXXX and XXXX ; each withdraw of more of $ XXXX because the system showed the original fake check deposit as funds in the account. First of all, it is unbelievable that in this time, were all is about technology, a check does not get cleared within 24hrs, also, unbelievable, that the security in BB & T bank is so bad, that they just cashed the money in another State without confirming via phone if it was me who was out of my own State. And worse, BB & T Branch team leader, XXXX XXXX, asking if I was sure I did n't traveled to VA and NJ and also said I have to wait until XXXX to get my {$1900.00} back ; that it is what I had in both accounts. This amount might be too little for BB & T, but to tell me that because in small towns the fraud reports are less than in XXXX, the cashiers of BB & T bank does not have the same protocols, is outrageous. Who is going to respond for my late fees/interest of the payments I have to do with that money?, who is going to pay for the gas, the parking and the time I did not get paid in my job because I had to deal with the incompetence, insecurity and lack of protocols of BB & T bank? 
This is a joke. XXXX was the only one nice enough to provide information and communicate with her manager, the fraud department and the branch " team leader '' ( XXXX XXXX ) but none of them was Professional enough to give me their face and try to solve my cash flow problem because of BB & T thieves. 
I filed a Police report in XXXX 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 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a letter dated  XXXX   XXXX ,  2017 st ating that my chase amazon credit card account was being closed " on  XXXX   XXXX ,    2017 beca use continuing the relationship creates possible reputational risk to our company. '' The letter did n't elaborate in any detail on the reason. I called the number on the back of the credit card (  XXXX  ) and they would not elaborate, only repeating the phrase " at this time we chose to end our relationship with you. '' I asked specifically whether this wa s for racial or re latiatory reasons ( I 'm currently suing a former lawyer and was threatened by him when I refused to take down an online review of him ) and they would not confirm that these were not the reasons. I asked them several times to rule out those specific reasons while I was trying to figure out why I was being dropped, but they refused to elaborate or inquire with their supervisors for more details. I am in good credit standing as far as I know, and I have paid all my bills on time in full. Please inquire as to why they are discontinuing my account with only a months notice.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XX/XX/2018, I sent a letter requesting the removal of the US BANKRUPCTY from my credit report. My rights are protected by the FCRA laws and guidelines which protects consumers such as myself from misinformation being used against them, as of now the credit bureau is not in compliance with these laws. I requested the credit bureau send copies of documentation, court order, and or my authorization of release containing signature. This was not done. I received information stating that the account was updated instead. I have contacted the courts to verify the report of validation in which the credit bureau stated that was done. This is false information. It was stated to me " we did not validate this information nor would we ever. ''

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 05/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind with my mortgage payments in XX/XX/XXXX because my income dropped 20 % and my expenses have increased- I have XXXX children that are attending college - I am trying to do my best to provide them the best education for their future- In XX/XX/XXXX I applied for loan modification however I was approved for trial. the trial agreement was not reasonable and unfair to my family - I was approved for XXXX & XXXX trial for {$2600.00} and XXXX trial was for {$44000.00} -I did n't accept the offer because we do n't have that kind of money - we are asking for help- I filed a complaint with attorney General against Wells Fargo- They notified the attorney general they would review the file once again to resubmit the financials. I resubmitted the financials but this time I hired an attorneyon XXXX I reapplied - I was denied because they do not have the contractual authority to modify your loan because of limitations in our servicing agreement for HAMP and HAMP Tier XXXX the investor is XXXX XXXX there was no mention about the standard modification - I am asking for your help because I strongly feel I am being treated unfairly by both Wells Fargo and XXXX XXXX I do n't want to lose my home and I am trying to find a solution to keep my house unfortunately Wells Fargo and XXXX do n't care

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach. Equifax failed to properly protect my private data, causing sensitive information to be shared with unapproved parties, potentially leading to identity theft. ( This issue also affects my spouse. )

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: I had an account open with WellsFargo since XX/XX/XXXX for direct deposit from my employer XXXX XXXX. On or about XXXX XXXX, XXXX both my Credit account were closed and put on collections. 1. Platinum Credit Card account XXXX {$1000.00} and 2. Line of Credit limit {$3000.00}. I had balances on both accounts, but never missed or made late payments. I had inquired bout their closure and was informed that WellsFargo is not obliged to give reason for the closure at their executive office. On XXXX XXXX, XXXX, I had paid both balances to {$0.00}. Yesterday, XXXX XXXX, XXXX, I took my family to a restaurant and attempted to pay for my restuarant bill with wellsfargo debit card, I had a balance of {$760.00} of which {$210.00} cash deposit was made at the branch at XXXX XXXX Est. on XXXX/XXXX/XXXX. Card got declined, I was embarrassed and had to use credit card to pay my bill. 
Today XXXX/XXXX/XXXX, I called the wellsfargo customer service and after so many transfers was informed that the bank had terminated the relationship and funds are frozen for up to 10 business days. I have inquired as to why my account was closed and relationship terminated. No explanation was provided. I had asked for supervisor to intervene and release my funds as I had payments and other bills to pay. They had declined to allow the total funds to be released, and decided to release only {$580.00} out of the {$1000.00} I had in my accounts. Funds that I have earned legally from my employers. I do n't think it is right as a consumer for my funds to be frozen without proper explanation. I have bills to pay and late charges incurred because my funds were frozen would only add to my problems and frustrations. I do n't think any bank institution has the right to freeze consumer funds unless that consumer comes up on OFAC list. Last I have checked I am not on OFAC list, therefore, I do not wish for anyone else to go through what I am going through with WellsFargo and wish to file a complaint and remedy the surcharges incurred by me because of this ordeal.

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 08/14/2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS COMPANY IS SENDING ME A BILL FOR AN ACCOUNT I DO NOT OWE ON. APPARENTLY THIS DEBT WAS PURCHASED FROM SOMEONE ELSE WITHOUT VALIDATING IT. 

I DO NOT OWE THIS DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: If the CONSUMER Financial Protection Bureau wants to protect my financials you will please help me with the following request. I bought a house 5 years ago. The taxes and insurance and everything or course keep going up. I bought the house for XXXX, and got a mortgage for XXXX. Today, with perfect payment history, I owe around XXXX. I have a ridiculous amount in PMI. If you are protecting my finances, then I need help removing this unnecessary expense from my mortgage payment. I know the lender can simply adjust my payment and take it off, it 's not difficult. Here is why it 's not necessary : My understanding is that PMI protects the lender? First off, why do I have to pay for their risk? No other business on earth makes you HAVE to pay their insurance to avoid their risk. There is zero risk with my mortgage. If I do not pay the bank will make money, as there is NO RISK with my mortgage, as I have over {$120000.00} of equity. Comparables in my neighborhood are selling for over {$300000.00}, I owe {$170000.00}. With that said there is absolutely NO RISK so there is absolutely NO REASON for my to be financially harmed every single month. With perfect payment history and {$120000.00} in equity, and in XXXX XXXX XXXX, XXXX of the best real estate markets in the country, this PMI payment is erroneous. Please help me from being financially harmed each month from risk that is n't risk, but merely the opposite of risk. If I do n't pay my mortgage, there is no protection needed from the bank 's part, as my house has {$120000.00}, ample equity to ever put risk on the lender. Thank you.

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 10/21/2017 about Debt collection (Medical debt) with Rash Curtis and Associates (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Rash Curtis & Associates are reporting an account on my credit report. I have sent debt validation/dispute letters via certified mail to them which has failed to comply with California State laws by properly validating my debt pursuant to the California Fair Debt Practices Act ( CFDPA ). 
In addition they have failed to properly mark my account disputed pursuant to the CFDPA. They prepared negative and inaccurate information to credit reporting agencies concerning my credit. I notified them twice via certified mail in regards to the accuracy of the information, however, they have continued to report inaccurate information on my credit report. They have negligently and willfully failed to comply with the requirements of the CFDPA, including but not limited to : California Civil Code Division 3, part 4, title 1.6 1785.25 ( a ), ( b ), ( c ), ( f ), 1785.26 ( b ), ( c ), applicable remedies as follows : 1785.31 ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ( D ). Title 1.6C. 1788.17 ( which in accordance with the Rosenthal Act is inclusive of original creditors such as Rash Curtis & associates, and inclusive of the following violations pursuant to the FDCPA 15 USC 1692 ) 807 ( 2 ) ( A ), 807 ( 8 ), 807 ( 10 ), 808 ( 1 ), 809 ( b ). Applicable remedies as follows : 1788.30 ( a ) ( b ) ( c ). Title 1.6C.5. 1788.52 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ), 1788.52 ( b ) ,1788.52 ( c ). applicable remedies as follows : 1788.62 ( a ) ( 1 ) ( 2 ) ( c ) ( 1 ) As a result of their failure to comply with the requirements of the CFDPA, I have suffered, and  continue to suffer actual damages, including economic loss, denial of credit, lost opportunities to receive credit, damage to reputation, invasion of privacy, degrading social standing and emotional distress for which I seek damages in an amount to be determined by the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with Performant Financial Corporation (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Performant Recovery calls my home and mobile phone repeatedly, harrassing me about a false debt. They claim they were contracted by the Department of Treasury to collect {$700000.00} in back taxes from me. None of which is true. My taxes are paid and up to date. I have never received documentation from anyone about this false debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: TD bank is charging me {$170.00} in overdraft fees for using my debit card before a check cleared the next day along with charges on my card so the money was there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a mortgage listed on my personal credit file that was never XXXX I obtained. I never took a {$620000.00} mortgage out. I want this inaccurate information remove from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 03/25/2016 about Student loan (Federal student loan servicing) with ACS Education Services (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I paid off my XXXX Student Loan over two years ago. I am now being denied credit because the servicer ACS is reporting that I am XXXX-days late in making a payment. I have tried numerous times to reach out to ACS to fix the problem but I can not get a hold of an actual person and now the company has been sold to XXXX and I have no clue as to who to write or call to get this fix. My end result is to get this negative information removed from all XXXX of the Credit Reporting Agencies as it is FALSE/INCORRECT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX and XXXX are incorrectly reporting on my credit report. I have contacted the credit reporting agency and spoken with someone to fix this error. Remove these multiple reports immediately. In addition, I contacted XXXX directly and spoken with XXXX who says that XXXX has ceased reporting on my account since XXXX 2013 and that it should not be there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (OH).
Issue: Trouble during payment process

Complaint: I purchased this property about a year ago and have received notice of escrow shortage. 
My payment was increased {$110.00} a month in 1 year. When I questioned this the explanation was someone must have miscalculated the tax at closing, really this could cause someone to lose their home. I 'm not understanding this as the taxes are on file with the county. If this was a homestead situation would they not know that? Just not understanding how this happens. Was told I had the option of paying the full amount of {$760.00} and the payment would only increase {$50.00}. Living on a fixed income this is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PLANET HOME LENDING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently XXXX, and a XXXX Veteran I have been taken advantage by my mortgage company Planet Lending and the realtors they are working with to force me into a short sale which has valued my home XXXX less than what it worth. On XX/XX/XXXX I received a threatening letter from the realtor ( see attached ) stating that my home would be foreclosed on that day if I did not go through with the short sale, furthermore the letter urged me to contact Planet Home Lending and they would not be mad at me. Operation Reach reviewed my documents and found out that Planet Home Lending was assigned the loan on XX/XX/XXXX, I received a denial letter for a loan modification dated XX/XX/XXXX. Planet Home lending filed a Declaration for a Notice of Default on XX/XX/XXXX, which is not 30 days for my appeal which is mandatory in the State of California. Planet Home Lending has violated the homeowners bill of rights and I believe that both the Realtor and Planet Home lending are working in concert to take my home.

Company response to consumer: Closed with explanation