milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: U.S. Bank, as trustee for the benefit of XXXX XXXX XXXX XXXX, perpetrated fraud in a foreclosure action against me and procured an unjust windfall of {$350000.00} at my expense. 

In XXXX XXXX I consented to pay or re-finance the {$680000.00} unpaid principal ( inclusive of unpaid interest added to the original {$670000.00} amount ) of a loan I had received from XXXX. in XXXX that XXXX allegedly had acquired. 

In XXXX XXXX, I received a statement from XXXX, the purported loan servicer, indicating that my " unpaid loan balance '' was {$650000.00} and that my " new monthly payment '' would be approximately {$1000.00}. Assuming this was the bank 's loan modification offer pursuant to XXXX XXXX XXXX XXXX, I sent the first month 's payment to XXXX. 

However, U.S. Bank did not cancel the sale, and my home was sold for {$1.00} XXXX. I spent the next year trying to set aside the wrongful foreclosure sale but was unsuccessful. 

In XXXX XXXX the court disbursed {>= $1,000,000} to U.S. Bank, which was {$350000.00} more than I owed to the Trust. And now I can not find an attorney to represent me because the original foreclosure judgment is more than a year old.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been the victim of identity theft and have notified the credit bureau of this by placing a fraud alert on my reports as well as sending in an ID theft report. After going over my reports I did notice some fraudulent information I was able to successfully dispute and remove most of this information except for an account by a company called XXXX that Experian refuses to remove I have notified them via phone call and letters that this is a FRAUDULENT account however they refuse to remove it or give me the information used to verify the account. At this point i have now Disputed this account 3 times and it keeps coming back as verified but when i call Experian they can not tell me what steps they took to verify or investigate this fraudulent account. I am hoping the CFPB can help me clear this situation up 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 04-12-2017 about Credit reporting () with HireRight Solutions, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This company maintains a database of consumer information, mainly for the purposes of hiring in the trucking industry. I have disputed the information countless times over the years but they will not correct it. I have been party to XXXX class action lawsuits because of their refusal to remove incorrect and fraudulent information report by the subscribers of their database services, trucking companies. Also the last time I made a complaint was when the last class-action was supposed to pay out. To be paid a person was supposed to have disputed information during a specific time period and mail in an affidavit to something called the XXXX. I mailed in the document and a few weeks later received a letter saying I would not be paid because I sent no documentation. This company is infinitely corrupt that is why they are operating under bankruptcy protection. 
Also they employ a tactic of dual reports which means the individuals get a report with one set of information and the potential employer gets a report with all of the incorrect and fraudulent information the companies have reported.

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 06/30/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (OH).
Issue: Making/receiving payments, sending money

Complaint: I sell XXXX online for payment with paypal. I 'm registered with XXXX and follow strict customer Id and XXXX procedures. I had a customer buying large amounts of XXXX from XX/XX/XXXX through XX/XX/XXXX. We collected multiple selfie with id pictures. Also the customer was shipped secure tokens XXXX to her address and had to read back the numbers to prove she was who she said she was. This customer claimed on XXXX XXXX that her identity was stolen. She made a claim to paypal that her identity was stolen and after looking at all the customer identification, and her ip address, and useragent all matched her pc and iphone, they determined there was near XXXX probability that her identity had been stolen. So after a week though, paypal now claims that her bank did ach reversals on all {$16000.00} that she spent. They want me to pay this. I want the name of someone at the bank to speak to about this and proof, but paypal wo n't provide it. I do n't think I should have to pay paypal back if they wo n't allow me to refute the alleged evidence that they have. I do n't even see any evidence that anything was charged back. Paypal says that I 'm not protected because XXXX is not physical goods, but it is also not the same as music, videos, or software. If the product is stolen, I am out nearly 100 % of the cost unlike music, videos, or software that are only copies. Also every single sale was sold using XXXX which DOES PROVIDE TRACKING and proof that the customer recieved the merchandise. Yes, the seller should be liable under some circumstances, but I feel given the massive evidence of fraud on the customer 's part here that paypal should do something more. And I feel that I should at least be able to see the reversal documents from the bank as proof. If they want to redact some private information that is ok. It is a shame how banks and paypal allow people to commit obvious fraud and theft and do nothing about it, and try to pass along all the costs to the seller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southern Management Systems Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: wrongful eviction stated on my credit showing a balance due when there isn't

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 07-12-2015 about Mortgage (FHA mortgage) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Credit decision / Underwriting

Complaint: I signed a mortgage contract with XXXX XXXX XXXX on XXXX XXXX, 2002. Thirteen years later, I discovered mortgage fraud within the Promissory Note although XXXX XXXX XXXX had sold the mortgage to REGIONS BANK, As a result, REGIONS BANK participated in lack of transparency through illegal book keeping entries and propriety trading and bundling mortgages into Special Purpose Vehicle trusts as Collateral Debt Obligations on XXXX XXXX. This fraudulent activity is known as " securitization '', where the mortgage was already paid upon the receipt of the alleged borrower 's signature. Evidence of this fraud is attached copies of the Promissory Note. Notice how Copy A ( which the Defendant first signed ) lacks the signature of a bank representative. However, a close examination indicates the fact that a bank representative of XXXX XXXX XXXX had unlawfully endorsed the Copy B of the promissory note as a check with the " Pay to the Order '' stamp on it not only after I had signed it, but had did so without my knowledge thereof whatsoever and then REGIONS BANK sent a copy of it during the foreclosure proceedings. As a result, the promissory note was reported to the United States Treasury and Federal Reserve Bank as an asset ( See Exhibits ). These banks have not reported any of this transaction to the INTERNAL REVENUE SERVICE. This is an act of fraud, extortion, racketeering and tax evasion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Bank account or service (Other bank product/service) with NATIONSTAR MORTGAGE (CA).
Issue: Account opening, closing, or management

Complaint: I 'm certain that Nationstar figured out my account wrong and the payoff - deducted and paid from the Escrow Company to NS - was incorrect in a significant way. If not refunded I 'll file a lawsuit against Nationstar with the State Bar of California. 

With Letter from XX/XX/2016 and XX/XX/2016 " Changes to Your Mortgage Interest Rate and Payments ( see attachments ) I get the information that my monthly payments are now {$2300.00} I paid this amount the entire year 2016 month for month. 
The statement shows clear that this amount contains the payments for PRINCIPLE, INTEREST and ESCROW! Payments were made in time. 

In the " Mortgage Payoff Statement '' from XX/XX/2016 Nationstar charged additional {$9.00} on Interest, XXXX for Escrow advances and {$5.00} for 'paid Expenses ' ( such one are included in the escrow account ). 
As a result the amount of {$22.00} can not be added to the unpaid principal balance and have to be refunded incl. Interests! 

I was calling several times, wrote several letters and an email ( which was delivered! ) but get never a corrected statement. This " Customer Service practices '' is shown in many complaints against NS. I get only a meaningless letter! The mentioned amount of about $ XXXX was paid via Escrow with the sale of my house in XXXX in addition to the Principal Balance. 

Nationstar : If you not refund the full amount I 'm asking you for separated, detailed breakdowns of each item in the payoff statement ( Principle, Interest and Escrow account ), also a detailed statement from all payments Nationstar get monthly for this account : mortgage payments, additional mortgage payments over the last year and the payments from my Trustee to Nationstar. 

A Civil Suit with the State Bar of California ( with the request of a general audit of this NS practices ) will be filed if the case is not solved within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with P&L Acquisitions LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I set up a payment agreement for {$50.00} a month in XXXX XXXX and the very first direct debit from my account was for {$100.00}. I called them and they claimed it was an error and refunded {$50.00} to my account. XXXX XXXX I noticed two separate charges for {$50.00} from the company and called to find out what happened and they claimed error again. I did not have them reverse the charge but rather said I would not like to be debited any more but rather to mail me a bill. I have since received numerous phone calls about making a payment and the company refuses to accept responsibility for fraudulently charging me.

Company response to consumer: Untimely response
Consumer complaint received 01-07-2017 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Credit card protection / Debt protection

Complaint: After numerous requests and disputes to the XXXX major credit reporting bureaus, Synchrony Bank/Care Credit refuses to provide me with an application bearing my signature requesting an extension of credit from them. Synchrony Bank/Care Credit can not and will not verify that I myself opened and used this account. I request that if my person can not be verified and validated, the charge card account and its reporting status has to be removed from all XXXX major credit reporting agencies : XXXX, XXXX, and 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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: around XX/XX/2015 my account was low on funds and i desperately needed to feed my kids for the day. i wrote myself a check for {$20.00} and deposited in the atm. I knew that my direct deposit would be in my account by the next morning. by the next morning the bankn had closed my account, reported me to chexsystems as fraud and an unpaid balance. when i went into the branch to find my paycheck and to see what happened they said the account was closed. The {$20.00} as paid at that time so i dont owe them a balance and i dont feel i should have been put in chexsystems as fraud. i have tried repeadily to get this corrected and no one seems to know who supposed to speak to or call. as a result of this i can not open a bank account anywhere. i have talked to customer service, risk dept and branch personel and gotten no where.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: According to the Equifax website as well as the investigation results page this is what they state prior to providing the results.
In this situation : * We request that the reporting company verify the accuracy of the information you disputed ; * We provide them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and * We request that they send Equifax a response to your dispute and update their records and systems, as necessary.
Now, if all of that is true, they would have found that the companies below have ZERO authorization from me to run my credit or place an inquiry on my file. I have even contacted several of them to see what information they had from me and they have nothing.
Not a single one of these creditors ever had any signed document nor phone authorization, nor online signature from me to perform any of these credit pulls on Equifax or any other bureau if they have done so at any time.
If Equifax had done an actual investigation or gotten any " verification '' as they say they would have removed these inquiries immediately. The following information is in regards to the inquiries that were made without my authorization or approval in any way and I demand them to be removed immediately. They are impacting my credit score and my ability to gain credit.
I appreciate your efforts in helping me resolve this problem as soon as possible.
Credit Inquiries I am Disputing and have no provided authorization for that I demand to be removed.
  XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   XXXX  : :  XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX     XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A company called XXXX has reported to Transunion that they are trying to collect a bill from me. They say it is from XXXX XXXX XXXX. Several years ago when I had XXXX XXXX XXXX XXXX I had a procedure done at XXXX XXXX XXXX. It was covered under my insurance at that time. I spoke with someone at XXXX XXXX XXXX and they said they would work with my insurance company. They told me they it resolved and now several years later this XXXX pops up claiming that I owe money. Please help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Federal student loan debt) with URS Holding, LLC (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Any and all student loans have been  discharged as a result of the   XXXX   XXXX   XXXX   XXXX    TPD program.  Alltran is trying to collect on loans that have been previously discharged. They continue to report inaccurate info to credit reporting agencies. They also will not take into account the letters from   XXXX   XXXX   XXXX   that clearly shows the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (LA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Loan on mortgage in XXXX was supposed to be turned in as paid when mortgage was refinanced in XXXX but mortgage company failed to report that mortgage in XXXX is paid they still have a open mortgage from XXXX reporting on my property also mortgage company reported information in XXXX on property when that in which was reported is not true according to mortgage in 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 05/19/2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have never had an account with SCA Collections. and this is a HIPPA violation of my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (FM).
Issue: Rewards

Complaint: I signed up for the XXXX American Express card in early XXXX. Unfortunately, American Express blocked the access to my account after XXXX transferred XXXX credit cards from American Express to XXXX 's Bank in XXXX, so I am unable to provide exact dates. One of the terms of the American Express card was that I would earn XXXX bonus points on my first anniversary after spending {$1000.00} in the first three months. 
Unfortunately, my first anniversary with American Express coincided with XXXX 's transfer from American Express to XXXX 's Bank, and even though I spent more than {$1000.00} in the first three months of card membership with American Express, I never received those XXXX bonus points as promised. For several months now, I have sent e-mails, made telephone calls, and sent messages on the XXXX and XXXX XXXX Bank website to no avail. XXXX seems to have dropped the ball, even though the corporation has XXXX percent responsibility in this matter. 
It is not my fault that XXXX decided to part ways with American Express and transfer to XXXX with XXXX XXXX Bank. In fact, I never agreed to the transfer of my personal information from American Express to XXXX XXXX Bank and wonder if this is at all ethical. As far as I am concerned, I fulfilled the credit card terms and should have received my XXXX bonus points. Therefore, I will not pay any balance due that was transferred ( without my authorization or consent ) to XXXX XXXX Bank unless and until I receive the XXXX bonus points to which I am entitled. 
Please assist me in this matter. 
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 monetary relief
Consumer complaint received 06-02-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Paid Midland Fundraising off  in full in  XXXX ,  2017 . There is a {$0.00} balance. Please remove off of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Federal student loan) with Performant Financial Corporation (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They ( Performant Recovery , Inc. ) are repeatedly calling my workplace, and are going to get me fired. My employer does not allow any calls period, except family emergency calls. The actual name of the person is 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 12/28/2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2016 My Citizens Bank ATM/Debit card was refused twice - once at a store and once at a parking meter. I called the service number on the back of my card, was told by a service agent that the fraud department had put a hold on my card and was transferred to a fraud department service agent who painstakingly verified my identity before my cell phone call was disconnected. 2 hours later, from home, i called again on my landline, once again verified my identity through numerous numbers, and security questions before being transferred to the card fraud service department where an agent told me I would have to appear at a branch with a photo ID. When i asked why she said my account had been notated. When I asked ( politely ) why she said she could not add further details. I asked to speak to someone who could, was transferred to a XXXX who rudely and belligerently insisted a 'previous caller ' ( surely me ) could not establish his identity. This is untrue - I was the previous caller and I had satisfactorily established my identity. When I insisted my card be unblocked i was told I would be transferred to a manager XXXX I was put on hold for approximately 7 minutes at which time my call was dropped into an unnamed voice message system.

Company response to consumer: Closed with explanation